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questionforyouguys

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  1. I just had my floors redone and paid a lot of money to do it, it was all done prior to my moving into the house. I had new tile, hardwood and white baseboards installed. For the most part I'm happy with the work done, except for the baseboards. They certainly don't look new, they're scuffed, rough in many places, almost none of the nail holes were covered. There are many places that have color on them, like black or red scuff marks that won't come off. In some places they look terrific, just seemless but in other places the pieces that joing together are very obvious and ugly. I also
  2. We've been house hunting for several weeks now, I got my mortgage pre-approval already. I didn't expect to find the right house yet, but on a whim I had a realtor show me a house today that just hit the market. In the time we've been looking we've also seen houses get snatched up so I'm ready to make an offer. So the realtor told me we need to put a time frame in the contract as to when financing will be secured. I believe this is a mortgage 'commitment letter', I've also been advised to have ready my 1% earnest money deposit. So my question is do I hold off making the offer until I
  3. I'm potentially a first time home buyer in FL, I just found out about a house on the market that is a REO. It's priced within my budget, the size is decent too and it's in a nice area, though I'm thinking I should offer 20% less initially. I believe the property has been vacant for a few months at least. I have a few months left on my current lease too. I'm setting up an appointment with a realtor to check it out, from the pictures, it looks like there's a broken window but not much else that I can see that is wrong. So I figure I might need up to 20% of the price for potential repairs
  4. I've been renting for a while and am seriously considering buying a house. Tonight I found a property that looks like a good deal, but a bit too pricey for me. I decided to dig deeper and I found out the owner's had a judgement against them recently and it's up for public auction soon next year, it appears they're going through a domestic situation like a divorce. I immediately thought this might be a great opportunity to get a short sale and get a great deal. The amount of the judgement against them is however in my price range, and the idea that I could buy it for less than that makes me
  5. I'm married and currently claim 3 allowances, no children and my wife doesn't work. We filed married and take the standard deduction and don't itemize, generally I owe close to 0 when I file my taxes. My wife is now going to be taking a part-time job, low-pay. At first I thought I would simply reduce my allowances to 2, and she would claim 0 allowances on her new w4. But as I go through the two-earners worksheet on the w4, it looks like I will now have to claim 0 allowances and possibly withold an additional amount. Zero allowances means a huge increase in my taxes withend each payc
  6. I wrote a check for my rent, $1,000 but it posted to my account for only $10! I was told by my bank this is an encoding error and to write a check for the remaining amount to the payee. I asked the bank to correct it but was told they can't? Apparently if it cleared for more than I wrote they could correct it. I am nervous if I write a check for the remaining amount that either the payee's bank will eventually initiate a correction to my account or my bank will initiate a correction during a reconciliation/review process and then I end up paying twice. What can I do to protect
  7. Ok, I've read so much information online I feel like I'm aware of many things but I'm not applying the best practices for my own situation so I'd like some help about what to do to get on the road to success: I'm in my 30's and got a late start on retirement. I'd like to start saving for a downpayment on a house, that's my main goal, but I feel like because I got a late start that I can't forget about retirement either. I have an employer 401k match, I contribute enough to get the full match plus a little more. I've almost maxed out my roth contributions. I have an HSA with 5
  8. If I receive an offer I'll ask the new employer's legal team to review my current non-compete, besides that can I protect myself further? It seems like an awful position to be in when I want to be excited about the prospect of a new job. In light of all this, if and when I do resign, do I respectfuly decline to share my new employer's name during my exit interview (I shouldn't be under a legal obligation to reveal it) or does that make me more likely to be a target for litigation if I'm unwilling to share this information?
  9. I'm currently employed and was approached by a recruiter for a new job, but after looking over my current employer's non-compete agreement I'm not really sure if it applies or not and that's what scares me. The agreement basically says I won't work for a direct/indirect competitor, anywhere for a certain period of time (long). Right now I'm a software developer for software that specializes in a couple key areas, say X, Y, and Z. Mostly on one OS, but can apply to other OS's. New job is mostly embedded software development, so we're talking about it only running in their specialized
  10. It's been cold here the last month or two, so we've been using our heater pretty frequently (central a/c). Early this morning the smoke alarm went off and woke us up, I could smell the smoke (smelled like an electrical fire to me, but I'm not an expert) but didn't see any. We aired it out and shut the a/c off for now. Usually the burning smell can happen when the heater hasn't been used in a long time, I know that is very common. But in this case for example, we had our heater cycling on/off for the last 24 hours or so because it's been so cold to maintain the temperature and we've used
  11. I have been claiming 4 exemptions on my taxes, but due to a child no longer being a dependent of mine that will have to drop to 3 when the new year starts. Which means more taxes will be witheld from my pay. I thought I could just bump up my 401k contributions, but I was surprised by how much I'd have to bump it up by to compensate for the loss of the exemption. What do other people do in this scenario?
  12. I don't know if my family member would really want me to go into details online. I more or less just want to know if we need to hire an attorney, she had one before but he did a terrible job and he's no longer practicing in family law. Or am I just freaking out over a notice that doesn't mean much until something is filed?
  13. No clue, it's like he dropped off the face of the earth. So that's why we were so surpised to see any activity and also worried.
  14. I have a question for a close family member, she has been through a bitter divorce, custody battle over kids with her ex, she won and the kids have been living with her. It all got settled a year ago, and she's the primary residential parent. But today, we just noticed on the court docket, "Notice Appearance of Counsel as to Ex-Husband", it doens't list a new lawyer for the ex, does this mean his counsel is getting ready to file something in court? It's exactly one year ago to the date that everything was done in court, so I was hoping maybe this is something the court filed automatic
  15. The other night in my condo I heard dripping water from my air handler closet, there was a big pool of water under it. So I looked online and the most common cause is a clogged drain pipe. So I went outside and cleaned the sludge (mold, algae, etc.) out of the pipe and saw the water flow through. I also poured bleach down the trap inside to clean it out. Though after all that it still seems to be leaking inside. Besides the one drainage pipe, there's another pipe next to it on the air handler, that has an overflow sensor on the end of it. When I took the sensor off I could see the pip
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